KR20090036623A - System and method for processing realtime payment transaction using a cash card and recording medium - Google Patents

System and method for processing realtime payment transaction using a cash card and recording medium Download PDF

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Publication number
KR20090036623A
KR20090036623A KR1020070101747A KR20070101747A KR20090036623A KR 20090036623 A KR20090036623 A KR 20090036623A KR 1020070101747 A KR1020070101747 A KR 1020070101747A KR 20070101747 A KR20070101747 A KR 20070101747A KR 20090036623 A KR20090036623 A KR 20090036623A
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South Korea
Prior art keywords
information
payment
card
account
cash card
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KR1020070101747A
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Korean (ko)
Inventor
김인권
Original Assignee
주식회사 신한은행
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Priority to KR1020070101747A priority Critical patent/KR20090036623A/en
Publication of KR20090036623A publication Critical patent/KR20090036623A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A system and a method for processing real time payment transaction using a cash card and a recording medium are provided to secure competitive advantage over the other competing financial institute by providing reward program for clients in real time basis. An information storage unit(750) processes an affiliated store account information for the unique number information of the terminal device and debit card payment money deposit link. The connected information is stored in a predetermined storage medium. A statement receiver(705) receives a settlement approval request statement from a terminal device equipped in the member store. An information confirming unit confirms or extracts the member store account information from the storage medium. A settlement processor withdraws the settlement money from a bank account, and transfers the confirmed account except the commission to the member store account in a real time.

Description

System and Method for Processing Realtime Payment Transaction Using A Cash Card and Recording Medium}

1 illustrates a configuration of a cash card operating system for processing real-time payment settlement using a cash card according to an embodiment of the present invention.

2 is a diagram illustrating an affiliated store settlement information registration system of a face-to-face method for real-time settlement settlement when using a cash card according to an exemplary embodiment of the present invention.

3 is a view showing the configuration of the merchant settlement information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for real-time settlement settlement processing when using a cash card according to an embodiment of the present invention.

FIG. 4 is a diagram illustrating a configuration of affiliate store settlement information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for real time settlement settlement processing when using a cash card according to another embodiment of the present invention. to be.

FIG. 5 is a diagram illustrating a configuration of affiliate store settlement information stored in a DBMS provided in a banking server in a face-to-face manner for real time settlement settlement processing when using a cash card according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a process of registering affiliate store settlement information in a face-to-face manner according to an embodiment of the present invention.

7 is a diagram illustrating a configuration of a cash card payment system for transferring a cash card payment to a real-time merchant according to an exemplary embodiment of the present invention.

8 is a diagram illustrating a payment approval and a real time transfer process through a cash card according to an embodiment of the present invention.

9A and 9B are diagrams illustrating a payment approval and a real time transfer process through a cash card according to another exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating a configuration of a cash card payment system for transferring a cash card payment to a real time merchant according to another embodiment of the present invention.

11 is a diagram illustrating a payment approval process through a cash card according to an embodiment of the present invention.

12 is a diagram illustrating a process in which a transfer processing server according to an exemplary embodiment of the present invention performs a real-time transfer processing of a transaction amount and a reward amount corresponding to a transaction for which payment is approved, to a deposit account of a merchant.

13 is a diagram illustrating a payment approval process through a cash card according to another embodiment of the present invention.

14 is a diagram illustrating a process of real-time transfer processing of a transaction amount and a reward amount corresponding to a transaction for which payment is processed by a transfer processing server according to another embodiment of the present invention to a deposit account of a merchant.

<Description of main parts of drawing>

100: information registration server 105: financial company server

The present invention provides information storage means for linking the terminal device unique number information and the merchant account information for depositing the cash card payment, and storing it in a predetermined storage medium, and the terminal device unique number information and cash from the terminal device provided at the merchant. Specialized receiving means for receiving a payment approval request message including card information and payment amount information, information checking means for confirming (or extracting) merchant account information corresponding to the received terminal device unique number information from the storage medium; And a payment processing means for withdrawing the payment amount included in the received payment approval request message from the financial account connected with the cash card, and real-time transfer processing of the withdrawn payment amount to the confirmed merchant account. It relates to a real-time payment settlement processing system using a cash card.

Currently, the generalized cash card payment method is operated by debit from the point of view of the user, but is usually postpaid from the point of view of the cardholder.

Therefore, in the case of a cash card franchisee, in case of a transaction settled by a stolen or lost card, a financial accident may occur in which the cash card franchisee cannot receive the transaction price from a financial institution due to the protection policy of the cash card user. There is a problem.

In addition, the cash card service in recent years, compared to the financial institutions that are in competition with each other, because it does not provide any more service advantage, it is a reality that it is difficult to attract the merchant customers of the corporate customer.

An object of the present invention for solving the above problems is the step of storing in a predetermined storage medium by linking the terminal device unique number information and the merchant account information for depositing the cash card payment in the security storage means, and in the specialized receiving means Receiving the full payment approval request message including the terminal device unique number information, cash card information, payment amount information from the terminal device provided in the merchant, Merchant account corresponding to the received terminal device unique number information in the information checking means Checking (or extracting) information from the storage medium and withdrawing the payment amount included in the received payment approval request message from the financial account connected with the cash card in the settlement processing means, and pays a fee among the withdrawn payment amount. Cash including the real-time transfer processing of the excluded amount to the identified merchant account It is a real-time payment settlement processing method using a de to provide.

Real-time payment settlement processing system using a cash card according to the present invention, the information storage means for storing the terminal device unique number information and the merchant account information for depositing the cash card payment payment to store in a predetermined storage medium, and the merchant Specialized receiving means for receiving the payment approval request message including the terminal device unique number information, cash card information, payment amount information from the provided terminal device, and stores the merchant account information corresponding to the received terminal device unique number information Withdraw information from the financial account associated with the cash card and withdraw the payment amount included in the information verification means for verifying (or extracting) from the medium and the received payment approval request text, and the amount of the withdrawn payment amount excluding the fee Characterized in that the settlement processing means for processing the real-time transfer to the merchant account.

In the real-time payment settlement processing system using a cash card according to the present invention, when the settlement process in response to the full payment approval request, the deposit amount processing of the transfer amount to the financial account connected to the cash card processing It further comprises a reward providing means for.

On the other hand, the real-time payment settlement processing method using a cash card according to the present invention, the step of storing information in the predetermined storage medium by linking the terminal device unique number information and the merchant account information for depositing the cash card payment in the information storage means; Receiving, in a specialized receiving means, a full payment approval request message including terminal device unique number information, cash card information, and payment amount information from the terminal device provided at the affiliated store; and receiving the terminal device unique number from the information checking means. Checking (or extracting) the merchant account information corresponding to the information from the storage medium and withdrawing the payment amount included in the received payment approval request message from the financial account connected to the cash card in the settlement processing means; Real time transfer of the payment amount excluding commissions to the confirmed merchant account It is characterized in that it comprises the steps:

On the other hand, it includes a computer-readable program recording medium recording a program for executing the above-described real-time payment settlement processing method using the cash card.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 illustrates a configuration of a cash card operating system for processing real-time payment settlement using a cash card according to an embodiment of the present invention.

More specifically, Figure 1 relates to a configuration of a cash card operating system for processing real-time payment settlement using a cash card using predetermined card terminal device unique number information and merchant deposit account information, the present invention belongs to Those skilled in the art, various implementation methods for the configuration of the cash card operating system for processing real-time payment settlement using the cash card by referring to or modifying the configuration of the Hyundai card operating system shown in FIG. It can be inferred, but the present invention is characterized in that it comprises all the implementation method inferred, and is not limited to the configuration of the cash card operating system shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, the cash card operation system includes a predetermined number of card terminal device unique numbers so as to process real-time account transfer to the affiliated store through a payment approval-related full text. The cash card using the information registration server 100 for registering the merchant settlement information including at least one or more deposit account information to a predetermined merchant D / B, and the card terminal device unique number information included in the payment request message The financial company server 105 which processes payment approval for the payment amount generated by the use, transfers the payment amount in real time to the deposit account of the affiliated store, and transfers 1% of the payment amount to a reward account; It includes at least one banking system and a banking system in which a payment account of a customer using the cash card is opened. The features.

The information registration server 100, at least one of the card terminal device unique number information and the payment account information for a real-time payment settlement processing when the customer uses the cash card to the merchant payment information registration system through a predetermined information registration interface When providing the affiliated store settlement information including the above, the affiliated store settlement information registration system stores the information on the card terminal device unique number information included in the provided affiliated store settlement information and the deposit account information in a predetermined storage medium. It is done.

The financial company server 105 checks whether the payment for the payment generated by the use of the cash card is approved when the payment is processed through the predetermined offline payment channel using the cash card issued through the predetermined card issuing system. It is characterized by processing the merchant payment settlement in real time by processing the processed payment amount in real time transfer to the merchant account.

The financial system stores and operates the ledger information corresponding to the customer account or the deposit account, and performs a window service such as a credit or a reception or a trust or a foreign exchange occurring at at least one branch (or window). To an accounting system for processing, an information system for processing headquarters operations, branch office information support and customer information management, and an interconnection between the financial system and at least one other financial system (or payment system), or at least one external communication network. Access to the financial system from at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.), or at least one common network (e.g. Network, financial common network) In addition, the financial system is the interface module corresponding to the middleware platform (Middleware) platform that provides the inter-component interfacing between the components in the financial system, and required for the performance of each function in the components in the financial system And a DBMS (DataBase Management System) including at least one database for storing and managing predetermined information (for example, ledger information, customer information, or management information).

In FIG. 1, the cash card operating system is illustrated and described as an information registration server 100 and a financial company server 105, but the present invention is not limited thereto. In the present invention, the cash card operating system includes one server ( Or a device) or at least two or more servers (or devices), and may be implemented in a separate server form for each component constituting each of the servers shown above according to the intention of a person skilled in the art. It is to be clarified.

2 is a diagram illustrating an affiliated store settlement information registration system of a face-to-face method for real time settlement settlement when using a cash card according to an exemplary embodiment of the present invention.

In more detail, Figure 2 is a predetermined customer registration information registration interface through a predetermined customer registration information registration system when using the cash card includes at least one card terminal device unique number information and deposit account information for real-time payment settlement processing When providing the merchant settlement information, the merchant settlement information registration system for the system configuration for storing the predetermined number and the card terminal device unique number information included in the provided merchant settlement information and deposit account information in a predetermined storage medium As those skilled in the art to which the present invention pertains, various implementation methods for the establishment of a merchant settlement information registration system for real time settlement settlement processing when using a cash card may be inferred by referring to or modifying the present invention. However, the present invention is directed to all methods of inferring the above. It is not limited to the implementation method shown in FIG.

Hereinafter, the components corresponding to at least one or more means or function configuration for storing the merchant settlement information provided from the customer on the storage medium through a predetermined information registration interface on the merchant settlement information registration system shown in FIG. For convenience, it is referred to as "information registration server 100".

Referring to FIG. 2 according to an embodiment of the present invention, the merchant settlement information registration system for real time payment settlement processing when using the cash card includes an information registration terminal including a teller terminal provided in at least one financial institution branch. The information registration terminal is connected to the information registration server 100 provided on the affiliated store settlement information registration system through a predetermined financial network.

According to an embodiment of the present invention, the customer visits the financial institution branch for real-time payment settlement processing when using the cash card, and the cash card through a window (or through a cashier) provided at the financial institution branch. If you fill out a certain application form (e.g., a document with a form for filling in at least one information item for real-time payment settlement processing when using a cash card) and submit the completed application form to the clerk The clerk enters (or selects) the information written in the application through a predetermined teller terminal, and the teller terminal transmits the input (or select) the information on the affiliated store settlement information registration system through the financial network. It is preferable to transmit to the information registration server 100 provided in.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 100 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the window terminal and the information registration server 100 comprises a branch network connecting the communication channel between the window terminal and the information registration server 100. desirable.

In the merchant settlement information registration system as described above, an application created by the customer, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the information registration server 100 are used by the customer. In use, it functions as an information registration interface for registering merchant settlement information for real-time payment settlement processing.

The storage medium provided on the affiliated store settlement information registration system according to the present invention stores a predetermined number by integrating the card terminal device unique number information included in the affiliated store settlement information provided from the information registration terminal and deposit account information. Characterized in that the storage on the medium, the card terminal device unique number information stored in the storage medium and the merchant payment information including at least one or more deposit account information is used for real-time payment settlement processing when using the cash card.

The card terminal device unique number information is information including a unique number assigned to each card terminal device of the affiliated store. The financial company server 105 shown in FIG. 1 checks the card terminal device code number number and directly. Characterized in that the payment account information corresponding to the unique number information of the card terminal device.

The deposit account information is characterized by displaying the deposit account information, including the deposit account of the merchant.

According to an exemplary embodiment of the present invention, the storage medium is a predetermined affiliated store D / B provided on the affiliated store settlement information registration system (or associated with the affiliated store settlement information registration system) or is provided in a DBMS on a financial system. Preferably, the storage medium may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium may include at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the merchant settlement information registration system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

The information registration server 100 provided on the affiliated store settlement information registration system according to the present invention is a generic term for the components of the affiliated store settlement information registration system connected to the information registration terminal through a predetermined financial network. It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 100 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 200 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 200 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 2, the information registration server 100 connects a communication channel with the information registration server 100 through the interface unit 200 after the predetermined information registration terminal is connected to the interface unit 200. An interface providing unit 205 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined affiliate store settlement information from the information registration terminal and providing the information registration terminal to the information registration terminal; The information receiving unit 210 for receiving predetermined merchant settlement information input (or selected) and transmitted from the information registration terminal through the user interface in conjunction with the unit 200, and validates the received merchant settlement information. Validation unit 215 to confirm, the card terminal device unique number information included in the merchant checkout information of the validity and the payment account information linked And an information storage unit (or information storage means) 220 for processing and storing in a predetermined storage medium.

The interface providing unit 205 connects a communication channel with the information registration server 100 through the interface unit 200 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) merchant settlement information and transmitting the information to the information registration server 100 through the financial network, or extracting from a predetermined database (not shown). In operation 200, the generated (or extracted) user interface is provided to the information registration terminal through the financial network.

According to another embodiment of the present invention, predetermined information including at least one user interface for inputting (or selecting) the affiliated store settlement information to the information registration terminal and transmitting the information to the information registration server 100 through the financial network. When the registration program is provided, the interface providing unit 205 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal inputs (or selects) affiliate store settlement information including at least one of the card terminal device unique number information and the deposit account information based on the user interface, and the entered (or selected) affiliate store The settlement information is transmitted to the information registration server 100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 205 may provide a predetermined user interface that can be provided by a financial transaction-related program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 200.

The information receiving unit 210 inputs (or selects) merchant card settlement information including at least one card terminal device unique number information and deposit account information from the information registration terminal and transmits the same through the financial network. In this case, the affiliated store settlement information is received in association with the interface unit 200, and the received affiliated store settlement information is provided to the validity check unit 215.

The validity verification unit 215 is characterized in that whether the merchant settlement information received from the information registration terminal satisfies the validity for real-time payment settlement processing when using a cash card.

According to an embodiment of the present invention, the validation of the affiliated account settlement information may include determining whether at least one ledger information matching the affiliated store settlement information is registered in the ledger D / B on the financial system associated with the affiliated store settlement information registration system. It is preferable to include checking.

For example, the validation of the merchant settlement information includes checking whether the deposit account information included in the merchant settlement information matches an account ledger stored in the ledger D / B on the financial system linked to the merchant settlement information registration system. It is preferable to make it.

When the validity of the affiliated store settlement information is confirmed, the information storage unit 220 stores the card terminal device unique number information and the deposit account information associated with the affiliated store settlement information in the storage medium. If the storage medium is provided in the information registration server 100 or on the network associated with the information registration server 100, the information storage unit 220 is based on the received merchant settlement information. Preferably, the card terminal device unique number information and the deposit account information are linked and stored in the storage medium. When the storage medium is provided in the DBMS provided on the financial system, the information storage unit 220 is provided. The financial information by providing the card terminal device unique number information and the deposit account information included in the received merchant settlement information to the information system through an external system on the financial system. Be stored in a DBMS provided on a stem are preferred.

3 is a view showing the configuration of the merchant settlement information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for real-time settlement settlement processing when using a cash card according to an embodiment of the present invention.

In more detail, when the storage medium illustrated in FIG. 2 is the ledger D / B provided in the DBMS on the financial system, the card terminal apparatus unique number information and the ledger information provided in the ledger D / B are shown in FIG. An information structure for one embodiment of a method for storing affiliated account settlement information including deposit account information is shown, and a person having ordinary knowledge in the art to which the present invention pertains may refer to or modify the drawings of the present invention. Various information configuration methods for storing the merchant settlement information in / B may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (for example, loan ledger, mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of individual customers, corporate customers, and minors.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 3, the affiliated store settlement information provided through the affiliated store settlement information registration system shown in FIG. 2 is stored in the form of additional information added to the account ledger, and the affiliated store settlement information is unique to the card terminal device. Characterized in that it comprises at least one or more information, and the payment account information.

The deposit account information is characterized in that when using the cash card, the payment amount corresponding to the use of the cash card can be transferred in real time to the deposit account of the merchant.

According to another exemplary embodiment of the present invention, the affiliated store settlement information is stored in the form of information included in the account ledger (not shown), or additional information added to another ledger (for example, a customer ledger) other than the account ledger. It is possible to be stored in the form, or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

Figure 4 is a configuration of the merchant settlement information stored in the database associated with the ledger D / B (400) provided in the DBMS on the financial system in a face-to-face manner for real-time settlement settlement processing when using a cash card in accordance with another embodiment of the present invention Figure is shown.

In more detail, FIG. 4 shows an information structure of an exemplary embodiment in which the storage medium 405 shown in FIG. 2 is stored in a predetermined database linked to the ledger D / B 400 provided in the DBMS on the financial system. As shown in the drawings, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing 4 and store the affiliated store settlement information in a predetermined database in association with the ledger D / B 400. Various information configuration methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In particular, FIG. 4 illustrates a case in which it is not easy to store the affiliated account settlement information in the ledger information of the ledger D / B 400 on the DBMS provided on the financial system (for example, the ledger D of the DBMS due to the policy of the financial institution). It is not easy to change / B (400), or the system is not easy to expand the system due to the nature of the financial system), store the merchant settlement information in a predetermined database instead of the ledger D / B (400), and The implementation method of storing a database and the ledger D / B 400 by linking them is illustrated.

In addition, the database shown in FIG. 4 does not have to be provided on a DBMS provided on the financial system as in the implementation method shown in FIG. 4, and the database on the Internet banking system, or tele It may be configured in the form of a database on a banking system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 4, the database stores and stores the card terminal device unique number information included in the affiliated store settlement information and the deposit account information in association with each other, and the affiliated store settlement information is stored in the ledger D / B (400). It is preferable that the CIF number corresponding to the ledger information is further included in the affiliated store settlement information in order to be processed in association with).

The deposit account information is characterized in that when using the cash card, the payment amount corresponding to the use of the cash card can be transferred in real time to the deposit account of the merchant.

FIG. 5 is a diagram illustrating a configuration of affiliate store settlement information stored in a DBMS provided in a banking server in a face-to-face manner for real-time settlement settlement processing when using a cash card according to another exemplary embodiment of the present invention.

In more detail, FIG. 5 shows a storage medium shown in FIG. 2 provided in a DBMS provided in a predetermined banking server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As to one embodiment, those skilled in the art to which the present invention pertains, refer to or modify the figure 5 for the merchant settlement information stored in a predetermined DBMS provided in at least one or more banking server Although an information construction method may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 5, the predetermined DBMS provided in the banking server is characterized by storing the card terminal device unique number information and the deposit account information in association with the affiliated store settlement information.

The deposit account information is characterized in that when using the cash card, the payment amount corresponding to the use of the cash card can be transferred in real time to the deposit account of the merchant.

6 is a diagram illustrating a process of registering affiliate store settlement information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 6 shows that the information registration server 100 on the affiliated store settlement information registration system shown in FIG. 2 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In this case, the teller terminal connects to the information registration server 100 and connects a communication channel for registering the merchant settlement information according to the present invention, and then the card to the information registration server 100 through the communication channel. When the affiliated store settlement information including the terminal device unique number information and the deposit account information is transmitted, the card registration information unique to the card terminal device included in the received merchant settlement information received from the information registration server 100, and the deposit account information. An embodiment of the present invention relates to a method of storing a predetermined storage medium in a cooperative process, and a person skilled in the art may refer to FIG. 6. Alternatively, the present invention may infer various implementation methods for registering the affiliated store settlement information from the counter terminal to the information registration server 100, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited to the implemented method.

Hereinafter, in FIG. 6, the window terminal shown in FIG. 2 will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 2 will be referred to as "server" for convenience, and the information registration in the window terminal will be described. The card terminal device unique number information and the deposit account information transmitted to the server 100 are referred to as "merchant settlement information" for convenience.

Referring to FIG. 6, a window terminal shown in FIG. 2 connects a predetermined communication channel for registering the affiliated store settlement information by accessing the server through a predetermined financial network, and real-time payment settlement processing when using the cash card. When requesting registration of the affiliated account settlement information for 600, the server generates (or extracts) a predetermined information registration interface for registering the affiliated account settlement information 605, and generates the generated (or The extracted information registration interface is transmitted to the terminal and output (operation 610).

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) merchant card settlement information including at least one of the card terminal device unique number information and the deposit account information in the terminal. It is preferable.

Thereafter, the terminal inputs (or selects) at least one card terminal device unique number information and affiliated store settlement information including the deposit account information through the information registration interface (615).

If the terminal inputs (or selects) the card terminal device unique number information and the payment information of the merchant including the deposit account information through the information registration interface (620), the terminal receives the input through the financial network ( Alternatively, the merchant transmits the affiliated store settlement information including the card number unique to the card terminal device and the payment account information to the server (625).

Thereafter, the server receives and reads the card terminal device unique number information and the deposit account information through the financial network to check the validity of the affiliated store settlement information (630).

According to an embodiment of the present invention, the validation of the affiliated account settlement information may include determining whether at least one ledger information matching the affiliated store settlement information is registered in the ledger D / B on the financial system associated with the affiliated store settlement information registration system. It is preferable to include checking.

For example, the validation of the merchant settlement information includes checking whether the deposit account information included in the merchant settlement information matches an account ledger stored in the ledger D / B on the financial system associated with the merchant settlement information registration system. It is preferable to make it.

If the validity of the affiliated store settlement information is not authenticated (635), the server generates predetermined information registration error information and transmits it to the terminal (640), and does not perform the information registration procedure corresponding to the affiliated store settlement information. Do not.

On the contrary, if the validity of the affiliated store settlement information is authenticated (635), the server performs an information registration procedure corresponding to the affiliated store settlement information, thereby linking the card terminal unique number information and the deposit account information to a predetermined value. The storage medium is stored in the storage medium (645).

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the merchant settlement information registration system (or associated with the merchant settlement information registration system), wherein the storage The medium may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium may include at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the merchant settlement information registration system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (650), thereby completing the procedure of registering the affiliated store settlement information transmitted from the terminal.

7 is a diagram illustrating a configuration of a cash card payment system for transferring a cash card payment to a real time merchant according to an exemplary embodiment of the present invention.

In more detail, Figure 7 shows the approval of the payment generated by the use of the cash card when the payment processing through a predetermined offline payment channel using a cash card issued through a predetermined card issuing system, the approval processing Regarding the cash card payment system that processes the settlement payment settlement in real time by real-time transfer processing of the payment amount to the merchant account, those of ordinary skill in the art to which the present invention belongs, It will be able to infer various implementation methods for the configuration of the cash card payment system through the cash card, but the present invention includes all the implementation methods inferred, the technical features of only the implementation method shown in FIG. It is not limited.

Referring to FIG. 7, the offline card payment system through the cash card includes a payment terminal 100 provided at a predetermined offline affiliated store and a financial company server 105 and a payment terminal 100 that process payment approval for the cash card. ) And a communication network (eg, a Value Added Network (VAN)) connecting the financial institution server 105.

In FIG. 7, the financial company server 105 including at least one financial company server 105 on the offline card payment system through the cash card is illustrated as one server, but this is for effectively explaining the technical features of the present invention. If only the implementation method, the various functional components constituting the financial institution server 105 may be implemented through at least two or more separate servers (or devices), whereby the present invention is not limited.

The payment terminal 100 on the offline card payment system is characterized in that it comprises at least one or more points of sales (POS) terminal having a CAT (Credit Authorization Terminal), or payment function, at least one or more card reader After reading predetermined card information from the cash card, and inputting a payment amount through a predetermined key input device, and generates a full payment approval request message including the card information, payment amount and the merchant information; Characterized in that the transmission to the financial institution server 105 via a communication network (for example, VAN).

In addition, the financial company server 105 on the offline card payment system, characterized in that it comprises at least one or more servers provided in the card company for processing the payment approval for the cash card, the payment terminal 100 And receiving a payment approval request message including the card information, the payment amount, and the affiliated store information from the payment information, and processing the payment amount included in the payment approval request message through the cash card.

In addition, the communication network connecting the payment terminal 100 and the financial company server 105 in the offline card payment system, at least one or more between the payment terminal 100 and the financial company server 105 based on at least one backbone network It characterized in that it comprises at least one bansa server (not shown) and wired or wireless communication network for relaying payment-related full text.

Those skilled in the art to which the present invention pertains, the technical features of the payment terminal 100 and the technical features of the conventional financial company server 105 and connecting the payment terminal 100 and the financial company server 105 Since you will be familiar with the technical features of the communication network, a detailed description thereof will be omitted for convenience.

According to the implementation method of the present invention, the financial company server 105, the customer information issuing the cash card through the card issuing system (not shown), the card information corresponding to the cash card issued to the customer and the A predetermined DBMS having a predetermined card information D / B 765 for storing and processing card attribute information and payment account information corresponding to the cash card, or a predetermined DBMS for operating the card information D / B 765; It is preferable to interlock or to interlock with a DB server (not shown) provided with the card information D / B 765.

The customer information may include personal information (eg, customer name, resident registration number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the customer who issued the cash card through the card issuing system (not shown), At least one member information (eg, member ID information) of the customer is preferably included.

Preferably, the card information includes a predetermined card number corresponding to a cash card issued to the customer through the card issuing system (not shown), and the card issuing institution information (eg, card issuing institution number ( Or code)) and card type information (for example, a card identification number (or code) and an expiration date information (some may be omitted) for the cash card).

The card attribute information may include a payment attribute (eg, debit type) for a cash card issued to the customer through the card issuing system (not shown), a royalty attribute including a mileage accumulation policy for the cash card, and the At least one or more additional service attributes associated with the cash card is preferably included.

The payment account information includes information for confirming a limit amount for approval of payment for a payment amount using the cash card according to a payment means characteristic corresponding to the cash card or a payment attribute of the cash card. desirable.

According to an embodiment of the present invention, the payment account information is linked with the financial system to check the balance information of the payment account for which the cash card is settled, so that the balance information of the real time payment account confirmed through the financial system is Characterized in that it can be applied as the card limit of the cash card.

Referring to FIG. 7, the financial company server 105 may establish a communication channel for transmitting and receiving a payment related professional message with at least one payment terminal 100 through a communication network including at least one value-added communication network (VAN) or a financial common network. A professional receiving unit for receiving a payment approval request message including at least one card information, payment amount and merchant information from the payment terminal 100 in connection with the interface unit 700 for connection and management, and the interface unit 700. (Professional receiving means) 705 and a professional transmission unit 710 for transmitting a payment approval result full text corresponding to the payment approval request full text to the payment terminal 100 in association with the interface unit 700; Characterized in that made.

When the payment terminal 100 reads the card information through a predetermined card reader, generates a payment approval request message including the card information, the payment amount, and the affiliated store information, and transmits it through the communication network. 705 receives the full text of the payment approval request in association with the interface unit 700.

If the payment approval procedure corresponding to the full text of the payment approval request is completed in the financial company server 105, the full text of the payment approval result including a predetermined payment processing history is generated. 700, the payment approval result information is transmitted to the payment terminal 100.

Those skilled in the art to which the present invention pertains will be familiar with technical features for transmitting and receiving the payment approval request text and the payment approval result text through the value-added communication network or the financial common network. Is omitted for convenience.

Referring to FIG. 7, when the financial institution server 105 receives the full payment approval request message including the card information, the payment amount, and the affiliated store information from the payment terminal 100, the received payment information is received from the payment terminal 100. The card information checking unit 715 for checking whether the card information included in the full text of the approval request matches the card information issued through the card issuing system (not shown), and the card information included in the full text of the payment approval request. When matched with the card information provided in the card information D / B (765), by comparing the payment account information and the payment amount associated with the card information in connection with the card information D / B (765) through the cash card The payment approval processing unit 720 for processing the payment approval of the payment amount, and the payment terminal 100 unique number information of the merchant delivered with the full payment approval request received by the professional receiving unit 705 is determined The payment terminal unique number verification unit 725 analyzes and reads from the full approval request and the card terminal device unique number information read by the payment terminal unique number verification unit 725, and checks the merchant D / B. An account information verification unit (or information verification means) 730 for confirming the stored payment account information in association with the stored card terminal device unique number information, and a payment amount corresponding to the payment information; The reward processing unit (or settlement processing means) 735 performing a transfer process to a deposit account and the payment amount information, the amount corresponding to 1% of the payment amount is calculated and transferred to the reward account of the customer. A processing unit (or reward providing unit) 740 and a payment processing result including any one of predetermined payment error information and payment approval information corresponding to the payment approval processing. The information generation unit 745 for generating predetermined payment processing history information, and the predetermined transaction history information obtained by classifying the payment processing details including predetermined payment approval information among the payment processing results for each date and time. And an information storage unit 750 for storing in the transaction history D / B 770, and the generated payment processing history information is transferred to the payment terminal 100 through the specialized transmission unit 710. It is characterized in that the transmission.

When the payment approval request message including the card information, the payment amount, and the merchant information is received from the payment terminal 100 through the information receiving unit, the card information verification unit 715 is received from the payment terminal 100. Characterized in that the card information included in the full payment approval request is matched with the card information issued through the card issuing system (not shown).

According to the exemplary embodiment of the present invention, the card information checking unit 715 uses the card information included in the full payment approval request as a keyword to search / search card information stored in the card information D / B 765. Preferably, the card information included in the full payment approval request is the card information issued through the card issuing system (not shown).

When the card information included in the payment approval request text is matched with the card information included in the card information D / B 765, the payment approval processing unit 720 may determine the information from the card information D / B 765. Confirming payment account information for the cash card stored in association with card information, and comparing the balance of the payment account confirmed through the payment account information with the payment amount to process the payment amount through the cash card; It is characterized in that the approval.

According to the method of the present invention, the payment approval processing unit 720 confirms the predetermined credit limit amount information stored in association with the card information from the card information D / B 765, and the confirmed credit limit amount amount. By comparing the information and the payment amount, it is characterized in that the payment approval for the payment amount through the cash card.

If the account balance information stored in association with the card information is directly stored in the card information D / B 765, the payment approval processing unit 720 may receive the card information from the card information D / B 765. After confirming the account balance stored and stored in a linked process, it is possible to process payment approval for the payment amount through the cash card by comparing the confirmed account balance with the payment amount.

The payment approval processing unit 720 is. Payment processing result including any one of predetermined payment error information (eg, payment error code) or payment approval information (eg, payment approval number) in the process of processing payment approval for the payment amount through the cash card. It characterized in that to generate.

The payment terminal unique number verification unit 725, the payment authorization request for the payment approval request is processed by the payment approval processing unit 720, the unique number for each card terminal device included in the payment approval request sent to the merchant approval request The information is read.

According to an embodiment of the present invention, the card terminal device unique number information is preferably converted into an encrypted code and included in the full payment approval request, and then transmitted, and the payment terminal unique number verification unit 725 reads and converts the And the card terminal device unique number information is characterized in that the account information verification unit 730 is able to check the deposit account information of the affiliated shop associated with the card terminal device unique number information.

The account information confirming unit 730 checks the card terminal device unique number information converted and confirmed by the payment terminal unique number confirming unit 725, and the card terminal device confirmed in association with the affiliated store D / B. By checking the deposit account information of the merchant corresponding to the unique number information, when using a cash card, it is possible to process the real-time account transfer to the merchant, and check the reward account corresponding to the customer information in conjunction with the financial system Characterized in that.

The transfer processing unit 735, the payment amount information processing the payment approval corresponding to the full payment approval request by the payment approval processing unit 720, and the payment account information of the merchant confirmed by the account information verification unit 730 If confirmed, transfer the payment amount to the deposit account, or transfer the reward amount calculated by the reward processing unit 740 to the reward account of the customer confirmed by the account information verification unit 730, and the transfer process Characterized in that the transfer history information corresponding to the.

The reward processing unit 740 checks the payment amount information that the customer has processed, calculates 1% of the payment amount as a reward amount, and then generates reward amount information including the calculated reward amount. It features.

When the payment approval processing unit 720 generates a payment processing result including any one of the payment error information (eg, payment error code) or payment approval information (eg, payment approval number), the information generation unit ( 745 may generate predetermined payment processing history information including the card information, payment amount information, merchant information and payment processing result, and the specialized transmission unit 710 may be connected to the interface unit 700. The predetermined payment approval result including the payment processing history information is characterized in that for transmitting to the payment terminal 100 through the communication network.

When predetermined payment processing detail information including the payment approval information (eg, payment approval number) is generated by the payment approval processing unit 720, the information storage unit 750 may generate the payment processing history information (eg, the A predetermined transaction processing history including card information, payment amount information, merchant information, and payment approval information), and generates predetermined transaction history information further including the payment date and time information to the predetermined transaction history D / B 770. It is characterized by storing.

In addition, the information storage unit 750 connects the transfer history information generated by the transfer processing unit 735 and the reward amount information generated by the reward processing unit 740 with the customer information in a predetermined storage medium 760. Characterized in that stored in.

The information transmission unit 755 transmits the transfer history information generated by the transfer processing unit 735 to the customer terminal.

According to an embodiment of the present invention, the information transmission unit 755 queries the card information D / B 765 constituting the DBMS, checks the stored customer information in association with the payment account information, and then the customer information. The transfer history information to the customer terminal corresponding to the.

8 is a diagram illustrating a payment approval and real-time transfer process through a cash card according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates the financial institution server 105 during a payment process using an offline payment channel corresponding to the offline card payment system shown in FIG. 7 through a cash card issued through the card issuing system (not shown). As an offline payment processing process for processing real-time payment settlement using the cash card in the above), those skilled in the art to which the present invention pertains, refer to or modify this figure 8 through the cash card Various implementation methods for payment approval and real time transfer processing may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG. .

Referring to FIG. 8, the payment terminal 100 on the offline card payment system illustrated in FIG. 7 generates a full payment approval request message including the card information, the payment amount, and the merchant information, and transmits it to the financial institution server 105. The lower surface 800, the financial company server 105 after receiving the payment approval request message, the card information included in the received payment approval request message is issued through the card issuing system (not shown) is the card information In operation 805, the card information matched with the card information stored in the D / B 765 is checked.

According to an exemplary embodiment of the present invention, the affiliate server uses the card information included in the full payment approval request as a keyword to search / search card information stored in the card information D / B 765, thereby providing the card information. It is preferable to check whether the card information issued through the card issuing system (not shown).

Those skilled in the art to which the present invention pertains will be familiar with the technical features and the professional transmission and reception procedure of the payment terminal 100 for transmitting the full text of the payment approval request, a detailed description thereof will be omitted for convenience. .

If the card information included in the full payment approval request does not match the card information stored in the card information D / B 765 (810), the financial institution server 105 includes the card information error code. The payment approval result is generated and transmitted to the payment terminal 100 (815).

On the other hand, if it is confirmed that the card information included in the full payment approval request is matched with the card information stored in the card information D / B 765 (810), the financial institution server 105 is the card information D / In operation 820, a limit amount of the cash card is determined based on payment account information associated with the card information.

According to an exemplary embodiment of the present invention, when the payment means corresponding to the confirmed card information includes a credit card payment means (or postpaid payment attribute), the financial institution server 105 may execute the card information D / B ( 765) confirms the predetermined credit limit amount information stored in association with the card information, and compares the confirmed credit limit amount information with the payment amount to process payment approval for the payment amount through the cash card. It is desirable to.

When the account balance information stored in association with the card information is directly stored in the card information D / B 765, the financial institution server 105 processes the association with the card information from the card information D / B 765. After confirming the stored account balance, it is possible to process the payment approval for the payment amount through the cash card by comparing the confirmed account balance with the payment amount.

If the limit amount for the cash card is confirmed (825), the financial institution server 105 compares the payment amount with the limit amount, thereby approving payment for processing the payment amount using the cash card. Perform the procedure (830).

If, as a result of the payment approval, payment approval for the payment amount is not confirmed (835), the financial institution server 105, the payment processing history information including payment error information (e.g. payment error code) for the cash card. Generate (840) and generate a payment approval result text including the payment processing details and transmit it to the payment terminal (100) (855).

On the other hand, if the payment approval is confirmed as a result of the payment approval (835), the financial institution server 105 includes the card information, payment amount information, merchant information and payment approval information (eg, payment approval number) Generating payment processing history information (845), the transaction processing information including the card information, payment amount information, merchant information and payment approval information, and transaction history information including the payment date and time information; After storing in the B (770) (850), and generates the full payment approval result including the payment processing history and transmits to the payment terminal 100 (855).

Thereafter, the financial company server 105 reads the card terminal device unique number included in the full payment approval request, generates a card terminal device unique number (860), and associates with the affiliated store D / B in the transfer processing server. The payment account information corresponding to the unique number of the card terminal device is checked (865).

Subsequently, the transfer processing server transfers the payment amount corresponding to the payment amount information to the payment account confirmed (870), generates and stores transfer history information including transfer processing details (875), and then transfers the transfer history information. By transmitting to the customer terminal (880), the transfer processing server terminates the process of real-time transfer processing the transaction amount and the reward amount corresponding to the payment approved transaction to the merchant's deposit account.

9A and 9B illustrate a payment approval and a real time transfer process through a cash card according to another exemplary embodiment of the present invention.

9a and 9b show in detail the payment process using an offline payment channel corresponding to the offline card payment system shown in FIG. 7 through a cash card issued through the card issuing system (not shown). An off-line payment processing process for processing real-time payment settlement using the cash card at 105, and those skilled in the art to which the present invention pertains, refer to or modify the drawings 9a and 9b above. Various implementation methods for payment approval and real-time transfer processing through a cash card may be inferred, but the present invention includes all the implementation methods inferred above, and only the implementation methods shown in FIGS. The technical features are not limited.

9A and 9B, the financial institution server 105 generates a full payment approval request message including the card information, the payment amount, and the merchant information in the payment terminal 100 on the offline card payment system shown in FIG. In step 900, the financial institution server 105 receives the full text of the payment approval request, and the card information included in the received full text of the payment approval request is issued through the card issuing system (not shown). In operation 905, the card information D / B 765 matches the card information stored in the card information.

According to an exemplary embodiment of the present invention, the affiliate server uses the card information included in the full payment approval request as a keyword to search / search card information stored in the card information D / B 765, thereby providing the card information. It is preferable to check whether the card information issued through the card issuing system (not shown).

Those skilled in the art to which the present invention pertains will be familiar with the technical features and the professional transmission and reception procedure of the payment terminal 100 for transmitting the full text of the payment approval request, a detailed description thereof will be omitted for convenience. .

If the card information included in the payment approval request message is not matched with the card information stored in the card information D / B 765 (910), the financial institution server 105 includes the card information error code. The payment approval result is generated and transmitted to the payment terminal 100 (915).

On the other hand, if it is determined that the card information included in the full payment approval request message is matched with the card information stored in the card information D / B 765 (910), the financial institution server 105 determines the card information D / B. In operation 920, the limit amount of the cash card is determined based on payment account information associated with the card information.

For reference, when the account balance information stored in association with the card information is directly stored in the card information D / B 765, the financial institution server 105 may store the card information from the card information D / B 765. After confirming the account balance stored in association with and then comparing the confirmed account balance with the payment amount, it is possible to process the payment approval for the payment amount through the cash card.

According to another exemplary embodiment of the present invention, when the payment means corresponding to the confirmed card information includes a prepaid card payment means (or a prepaid payment attribute), the financial institution server 105 may execute the card information D / Process payment approval for the payment amount through the cash card by confirming the predetermined charge amount information stored in association with the card information from B 765 and comparing the confirmed charge amount information with the payment amount. It is desirable to.

If the limit amount for the cash card is confirmed (925), the financial institution server 105 compares the payment amount with the limit amount, thereby making a payment approval procedure for processing the payment amount using the cash card. Perform 930.

If, as a result of the payment approval, payment approval for the payment amount is not confirmed (935), the financial institution server 105, the payment processing history information including payment error information (for example, payment error code) for the cash card. Generate (940), and generate a full payment approval result including the payment processing history and transmits to the payment terminal 100 (955).

On the other hand, when the payment approval is confirmed, the payment approval for the payment amount (935), the financial institution server 105 includes the card information, payment amount information, merchant information and payment approval information (eg, payment approval number) Generating payment processing history information (945), and the transaction processing history information including the card information, payment amount information, merchant information and payment approval information, and transaction history information including the payment date and time information; After storing in B (770) (950), a full text of the payment approval result including the payment processing details is generated and transmitted to the payment terminal (100) (955).

Thereafter, the financial company server 105 reads the card terminal device unique number included in the full payment approval request, generates a card terminal device unique number (960), and associates with the affiliated store D / B to the card terminal device uniquely. Check the payment account information corresponding to the number (965), confirm the payment amount corresponding to the payment amount information to the payment account and calculate the 1% of the payment amount as a reward amount (970), including the calculated reward amount The reward amount information is generated and stored in the storage medium 760 (975).

Thereafter, the financial institution server 105 transfers the payment amount and the reward amount corresponding to the payment amount information to the deposit account and the reward account to be confirmed (980), and generates and stores the transfer history information including the transfer processing history. Then (985), by transmitting the transfer history information to the customer terminal (990), the transfer processing server real-time transfer processing the transaction amount and the reward amount corresponding to the payment approved transaction to the merchant's deposit account Will be terminated.

10 is a diagram illustrating a configuration of a cash card payment system for transferring a cash card payment to a real-time merchant in accordance with another exemplary embodiment of the present invention.

More specifically, Figure 10 confirms whether or not the approval for the payment generated by the use of the cash card when the payment processing through a predetermined offline payment channel using the cash card issued through the card issuing system (not shown) and The present invention relates to a cash card payment system that processes settlement settlement in real time by real-time transfer processing of an approved payment amount to a merchant account, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to FIG. 10. Or it may be modified to infer various implementation methods for the configuration of the cash card payment system through the cash card, but the present invention comprises all the implementation methods inferred, only by the implementation method shown in FIG. The technical features are not limited.

Referring to FIG. 10, the financial company server 105 includes a payment approval request including the card information, payment amount, and merchant information from the payment terminal 100 through the specialized receiving unit (or specialized receiving means) 1005. When the full text is received, a card information checking unit (or information checking means) for checking whether the card information included in the received payment approval request text is matched with the card information issued through the card issuing system (not shown), If the card information included in the payment approval request text is matched with the card information provided in the card information D / B 1080, the payment account information associated with the card information in connection with the card information D / B 1080 A payment approval processing unit 1020 for processing payment approval of the payment amount through the cash card by comparing the payment amount with the payment amount, and predetermined payment error information and payment approval information corresponding to the payment approval processing; Information generation unit 1025 for generating predetermined payment processing history information including the payment processing results including any one of the, and the payment processing details including the predetermined payment approval information of the payment processing results by date and time And an information storage unit 1030 for storing the predetermined transaction history information in a predetermined transaction history D / B 1085, wherein the generated payment processing history information is the specialized transmission unit 1010. It is characterized in that the transmission to the payment terminal 100 through).

When the payment approval request message including the card information, the payment amount, and the merchant information is received from the payment terminal 100 through the specialized reception unit 1005, the card information confirmation unit receives the payment information from the payment terminal 100. Characterized in that the card information included in the full payment approval request is matched with the card information issued through the card issuing system (not shown).

According to an embodiment of the present invention, the card information confirming unit searches and searches card information stored in the card information D / B 1080 using card information included in the full payment approval request as a keyword, thereby allowing the payment approval. It is preferable to check whether the card information included in the request message is card information issued through the card issuing system (not shown).

If the card information included in the payment approval request text is matched with the card information included in the card information D / B 1080, the payment approval processing unit 1020 determines the information from the card information D / B 1080. Confirming payment account information for the cash card stored in association with card information, and comparing the balance of the payment account confirmed through the payment account information with the payment amount to process the payment amount through the cash card; It is characterized in that the approval.

If the account balance information stored in association with the card information is directly stored in the card information D / B 1080, the payment approval processing unit 1020 is configured to store the card information from the card information D / B 1080. After confirming the account balance stored and stored in a linked process, it is possible to process payment approval for the payment amount through the cash card by comparing the confirmed account balance with the payment amount.

The payment approval processing unit 1020 is. Payment processing result including any one of predetermined payment error information (eg, payment error code) or payment approval information (eg, payment approval number) in the process of processing payment approval for the payment amount through the cash card. It characterized in that to generate.

When a payment processing result including any one of the payment error information (eg, payment error code) or payment approval information (eg, payment approval number) is generated by the payment approval processing unit 1020, the information generation unit ( 1025 may generate predetermined payment processing history information including the card information, payment amount information, merchant information and payment processing result, and the specialized transmission unit 1010 may be connected to the interface unit 1000. The predetermined payment approval result including the payment processing history information is characterized in that for transmitting to the payment terminal 100 through the communication network.

When predetermined payment processing history information including the payment approval information (eg, payment approval number) is generated by the payment approval processing unit 1020, the information storage unit 1030 may generate the payment processing history information (eg, the A predetermined transaction processing history including card information, payment amount information, merchant information, and payment approval information), and generates predetermined transaction history information further including the payment date and time information to the predetermined transaction history D / B 1085. It is characterized by storing.

In addition, the information storage unit 1030 is predetermined by linking the transfer history information generated by the transfer processing unit (or settlement processing means) 1055 and the reward amount information generated by the reward processing unit 1060 with the customer information. The storage medium 1075 is characterized in that the storage.

The information transmission unit is characterized in that the transfer history information generated by the transfer processing unit 1055 to the customer terminal.

According to an embodiment of the present invention, the information transmission unit queries the card information D / B 1080 constituting the DBMS, checks the customer information stored in association with the payment account information, and then corresponds to the customer information. Characterized in that the transfer history information to the terminal.

Referring to FIG. 10, the transfer processing server 1035 may include a professional receiving unit (or a professional receiving unit) for receiving a payment approval request message including at least one of card information, payment amount, and merchant information from the payment terminal 100. 1040, and the payment terminal unique number confirmation unit for analyzing and reading the payment terminal 100 unique number information of the merchant passed along with the payment approval request message received by the specialized receiving unit 1040 from the full payment approval request. 1045 and the card terminal device unique number information read by the payment terminal unique number identification unit 1045 to check the deposit account information stored in association with the card terminal device unique number information stored in the affiliated store D / B. Transfer the account information verification unit (or information verification means) 1050 and the payment amount corresponding to the payment amount information to the payment account of the merchant where the payment account information is confirmed. The reward processing unit (or settlement processing means) 1055 and the reward amount information to check the payment amount information, calculates the amount corresponding to 1% of the payment amount is transferred to the reward account of the customer (or reward provided) Means 1060, and an information storage unit 1065 for storing the transfer history information and the reward amount information generated by the transfer processing unit and the reward processing unit in a predetermined D / B. The transfer history information may be transmitted to the customer terminal through the information transmitter 1070.

When the payment terminal 100 reads the card information through a predetermined card reader, generates a payment approval request message including the card information, the payment amount, and the affiliated store information, and transmits it through the communication network. 1040 is characterized in that for receiving the full payment approval request.

The payment terminal unique number confirmation unit 1045 is a unique number for each card terminal device included in the payment approval request message, which is included in the payment approval request text for the payment approval request text processed by the payment approval processing unit 1020. The information is read.

According to the exemplary embodiment of the present invention, the card terminal device unique number information is preferably converted into an encrypted code and included in the payment approval request message, and transmitted. The payment terminal unique number confirmation unit 1045 reads and converts the converted code. And the card terminal device unique number information is characterized in that the account information verification unit 1050 is able to check the deposit account information of the affiliated shop associated with the card terminal device unique number information.

The account information confirming unit 1050 confirms the card terminal device unique number information converted and confirmed by the payment terminal unique number confirming unit 1045, and the card terminal device confirmed in association with the affiliated store D / B. By checking the deposit account information of the merchant corresponding to the unique number information, when using a cash card, it is possible to process the real-time account transfer to the merchant, and check the reward account corresponding to the customer information in conjunction with the financial system Characterized in that.

The transfer processing unit 1055 transfers the reward amount calculated by the reward processing unit 1060 to the reward account of the customer confirmed by the account information checking unit 1050, and generates transfer history information corresponding to the transfer processing. It is characterized by.

The reward processing unit 1060 checks the payment amount information processed by the customer, calculates 1% of the payment amount as a reward amount, and then generates reward amount information including the calculated reward amount. It features.

The information storage unit 1065 stores the transfer history information generated by the transfer processing unit 1055 and the reward amount information generated by the reward processing unit 1060 in the storage medium 1075 in association with the customer information. It is characterized by.

The information transmission unit is characterized in that the transfer history information generated by the transfer processing unit 1055 to the customer terminal.

According to an embodiment of the present invention, the information transmission unit queries the card information D / B 1080 constituting the DBMS, checks the customer information stored in association with the payment account information, and then corresponds to the customer information. Characterized in that the transfer history information to the terminal.

11 is a diagram illustrating a payment approval process through a cash card according to an embodiment of the present invention.

In more detail, FIG. 11 shows the financial company server 105 during a payment process using an offline payment channel corresponding to the offline card payment system shown in FIG. 10 through a cash card issued through the card issuing system (not shown). The credit card payment approval process for processing the real-time payment settlement using the cash card in the), if the person of ordinary skill in the art to which the present invention belongs, refer to or modify this figure 11 the cash card Various implementation methods for the offline payment process can be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 11, the payment terminal 100 on the cash card payment system illustrated in FIG. 10 generates a full payment approval request message including the card information, the payment amount, and the merchant information, and transmits it to the financial institution server 105. The lower 1100, the financial company server 105 after receiving the payment approval request full text, the card information included in the received payment approval request full text is issued through the card issuing system (not shown) the card information In operation 1105, the card information matched with the card information stored in the D / B 1080 is checked.

According to an exemplary embodiment of the present invention, the affiliate server uses the card information included in the full payment approval request as a keyword to search / search card information stored in the card information D / B 1080, thereby providing the card information. It is preferable to check whether the card information issued through the card issuing system (not shown).

Those skilled in the art to which the present invention pertains will be familiar with the technical features and the professional transmission and reception procedure of the payment terminal 100 for transmitting the full text of the payment approval request, a detailed description thereof will be omitted for convenience. .

If the card information included in the full payment approval request is not matched with the card information stored in the card information D / B 1080 (1110), the financial institution server 105 includes the card information error code. The payment approval result is generated and transmitted to the payment terminal 100 (1115).

On the other hand, if it is confirmed that the card information included in the full payment approval request is matched with the card information stored in the card information D / B 1080 (1110), the financial institution server 105 determines that the card information D / From B (1080) checks the balance of the payment account for the cash card based on the payment account information associated with the card information (1120).

According to an embodiment of the present invention, since the payment means corresponding to the confirmed card information includes a cash card payment means (or a debit payment attribute associated with an account) associated with a predetermined account, the financial company server 105 ) Confirms the predetermined payment account information stored and processed in association with the card information from the card information D / B 1080, and confirms the account balance in connection with a predetermined financial system in which the payment account is opened. It is preferable to process payment approval for the payment amount through the cash card by comparing the confirmed account balance with the payment amount.

Alternatively, when the account balance information stored in association with the card information is directly stored in the card information D / B 1080, the financial institution server 105 may be connected to the card information from the card information D / B 1080. After confirming the account balance stored and stored in a linked process, it is possible to process payment approval for the payment amount through the cash card by comparing the confirmed account balance with the payment amount.

If the payment account balance for the cash card is confirmed (1125), the financial institution server 105 compares the payment amount with the payment account balance, thereby making a payment for processing the payment amount using the cash card. The approval procedure is performed (1130).

If, as a result of the payment approval, payment approval for the payment amount is not confirmed (1135), the financial institution server 105 determines payment processing history information including payment error information (eg, payment error code) for the cash card. It generates (1140), generates a payment approval result full text including the payment processing history and transmits to the payment terminal 100 (1155).

On the other hand, when the payment approval is confirmed, the payment approval for the payment amount (1135), the financial institution server 105 includes the card information, payment amount information, merchant information and payment approval information (eg payment approval number) And generating payment processing history information (1145), and the transaction processing history information including the card information, payment amount information, merchant information and payment approval information, and transaction history information including the payment date information. After storing in B (1085) (1150), a full text of the payment approval result including the payment processing history is generated and transmitted to the payment terminal (100) (1155).

FIG. 12 is a diagram illustrating a process in which a transfer processing server 1035 according to an embodiment of the present invention performs a real-time transfer processing of a transaction amount and a reward amount corresponding to a transaction for which payment is approved, to a deposit account of a merchant.

More specifically, FIG. 12 corresponds to the transaction, which is settled with the cash card through the transfer processing server 1035 shown in FIG. 10 and whose payment is approved by the financial institution server 105. It is a process for real-time transfer processing of the transaction amount to the merchant's deposit account, and at the same time transfer the amount corresponding to 1% of the transaction amount to the customer's reward account, the general knowledge in the technical field to which the present invention belongs If there is a person with, various implementation methods for the process of real-time transfer processing the transaction amount and the reward amount corresponding to the transaction approved payment transaction by the transfer processing server 1035 to the merchant's deposit account by referring to or modifying this drawing 12 It can be inferred, but the present invention is made to include all the implementation method inferred, with only the implementation method shown in FIG. This technical feature is not limited.

Referring to FIG. 12, the payment terminal 100 on the cash card payment system shown in FIG. 10 generates the full payment approval request message including the card information, the payment amount, and the merchant information to the transfer processing server 1035. If it is transmitted (1200), the transfer processing server 1035 stores the received payment approval request text, and confirms whether or not the payment approval result text received corresponding to the payment approval request text (1205).

If the transfer processing server 1035 does not receive the full payment approval result from the financial company server 105, the transfer processing server 1035 may transfer the newly received payment approval request message to the transfer processing server 1035. To store, and repeats the process (1205) of checking whether the payment approval result corresponding to the payment approval request full text received.

On the other hand, when the transfer processing server 1035 receives the payment approval result from the financial company server 105 (1210), the transfer processing server 1035 is a unique number of the card terminal device included in the payment approval request message After reading the card terminal device unique number is generated (1215), the transfer processing server 1035 checks the payment account information corresponding to the card terminal device unique number in association with the affiliated shop D / B (1220). .

Thereafter, the transfer processing server 1035 transfers the payment amount corresponding to the payment amount information to the received payment account (1225), generates and stores the transfer history information including the transfer processing details (1230). By transmitting the transfer history information to the customer terminal (1235), the transfer processing server 1035 terminates the process of real-time transfer processing the transaction amount and the reward amount corresponding to the payment approved transaction to the merchant's deposit account.

13 is a diagram illustrating a payment approval process through a cash card according to another embodiment of the present invention.

In more detail, FIG. 13 shows the financial company server 105 during a payment process using an offline payment channel corresponding to the offline card payment system shown in FIG. 10 through a cash card issued through the card issuing system (not shown). ) Is a credit card payment approval process for processing real-time payment settlement using the cash card, if the person of ordinary skill in the art to which the present invention pertains, refer to or modify this figure 13 the cash card Various implementation methods for the offline payment process through can be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 13, the payment terminal 100 on the cash card payment system shown in FIG. 10 generates a full payment approval request message including the card information, the payment amount, and the merchant information, and transmits it to the financial company server 105. The lower surface (1300), the financial company server 105 after receiving the payment approval request message, the card information included in the received payment approval request message is issued through the card issuing system (not shown) the card information The card information stored in the D / B 1080 is checked (1305).

According to an exemplary embodiment of the present invention, the affiliate server uses the card information included in the payment approval request text as a keyword to search / search card information stored in the card information D / B 1080, thereby providing the card information. It is preferable to check whether the card information issued through the card issuing system (not shown).

Those skilled in the art to which the present invention pertains will be familiar with the technical features and the professional transmission and reception procedure of the payment terminal 100 for transmitting the full text of the payment approval request, a detailed description thereof will be omitted for convenience. .

If the check result card information included in the full payment approval request does not match the card information stored in the card information D / B (1080) (1310), the financial institution server 105 includes the card information error code The payment approval result is generated and transmitted to the payment terminal 100 (1315).

On the other hand, if it is confirmed that the card information included in the full payment approval request message is matched with the card information stored in the card information D / B 1080 (1310), the financial institution server 105 is the card information D / From B (1080), the payment account balance for the cash card is checked based on the payment account information associated with the card information (1320).

According to an embodiment of the present invention, since the payment means corresponding to the confirmed card information includes a cash card payment means (or a debit payment attribute associated with an account) associated with a predetermined account, the financial company server 105 ) Confirms the predetermined payment account information stored and processed in association with the card information from the card information D / B 1080, and confirms the account balance in connection with a predetermined financial system in which the payment account is opened. It is preferable to process payment approval for the payment amount through the cash card by comparing the confirmed account balance with the payment amount.

Alternatively, when the account balance information stored in association with the card information is directly stored in the card information D / B 1080, the financial institution server 105 may be connected to the card information from the card information D / B 1080. After confirming the account balance stored and stored in a linked process, it is possible to process payment approval for the payment amount through the cash card by comparing the confirmed account balance with the payment amount.

If the payment account balance for the cash card is confirmed (1325), the financial institution server 105 compares the payment amount with the payment account balance, thereby making a payment for processing the payment amount using the cash card. The approval procedure is performed (1330).

If, as a result of the payment approval, payment approval for the payment amount is not confirmed (1335), the financial institution server 105 determines payment processing history information including payment error information (for example, payment error code) for the cash card. It generates (1340), generates a payment approval result full text including the payment processing history and transmits to the payment terminal 100 (1355).

On the other hand, when the payment approval is confirmed, the payment approval for the payment amount (1335), the financial institution server 105 includes the card information, payment amount information, merchant information and payment approval information (eg payment approval number) And generating payment processing history information (1345), and the transaction processing history information including the card information, payment amount information, merchant information and payment approval information, and transaction history information including the payment date information. After storing in B (1085) (1350), a full text of the payment approval result including the payment processing history is generated and transmitted to the payment terminal 100 (1355).

14 is a diagram illustrating a process in which a transfer processing server 1035 according to another embodiment of the present invention performs a real-time transfer processing of a transaction amount and a reward amount corresponding to a transaction for which payment is approved and processed into a deposit account of a merchant.

More specifically, FIG. 14 corresponds to the transaction, which is settled with the cash card through the transfer processing server 1035 shown in FIG. 10 and whose payment is approved by the financial company server 105. It is a process for real-time transfer processing of the transaction amount to the merchant's deposit account, and at the same time transfer the amount corresponding to 1% of the transaction amount to the customer's reward account, the general knowledge in the technical field to which the present invention belongs If there is a person with, various implementation methods for the process of real-time transfer processing of the transaction amount and the reward amount corresponding to the transaction approved by the transfer processing server 1035 to the merchant's deposit account by referring to or modifying this drawing 14 It may be inferred that, but the present invention includes all the implementation methods inferred, and only by the implementation method shown in FIG. The technical features are not limited.

Referring to FIG. 14, the payment terminal 100 on the cash card payment system illustrated in FIG. 14 generates a full payment approval request message including the card information, the payment amount, and the merchant information to the transfer processing server 1035. When transmitting (1400), the transfer processing server (1035) stores the received payment approval request text, and confirms whether the payment approval result text corresponding to the payment approval request text is received (1405).

If the transfer processing server 1035 does not receive the full payment approval result from the financial company server 105, the transfer processing server 1035 may transfer the newly received payment approval request message to the transfer processing server 1035. To store, and repeats the process (1405) of checking whether the payment approval result corresponding to the payment approval request full text received.

On the other hand, when the transfer processing server 1035 receives the full payment approval result from the financial company server 105 (1410), the transfer processing server 1035 is a card terminal device unique number included in the full payment approval request message After reading and generating a unique number of the card terminal device (1415), the transfer processing server 1035 checks the payment account information corresponding to the unique number of the card terminal device in association with the affiliated shop D / B (1420).

Subsequently, the transfer processing server 1035 checks the payment amount corresponding to the payment amount information and calculates 1% of the payment amount as a reward amount with the confirmed payment account (1425), and rewards the amount information including the calculated reward amount. It is generated and stored in the storage medium 1075 (1430).

Subsequently, the transfer processing server 1035 transfers the payment amount and the reward amount corresponding to the payment amount information to the payment account and the reward account (1435), and generates and stores the transfer history information including the transfer processing history. Then (1440), by transmitting the transfer history information to the customer terminal (1445), the transfer processing server 1035 real-time transfer processing the transaction amount and the reward amount corresponding to the transaction approved payment transaction to the merchant's deposit account This concludes the process.

According to the present invention, since the efficiency and convenience of the payment processing using the cash card is improved, by increasing the customer satisfaction for the cash card merchant, it is possible to expect an increase in the rate of attracting corporate customers.

In addition, since customer royalties are generated by providing a real-time reward program, it is possible to secure a competitive advantage compared to financial institutions in competition.

Claims (4)

Information storage means for linking the terminal device unique number information and the merchant account information for depositing a cash card payment and storing the same in a predetermined storage medium; Specialized receiving means for receiving a full payment approval request message including terminal device unique number information, cash card information, and payment amount information from the terminal device provided in the affiliated store; Information checking means for checking (or extracting) affiliate store account information corresponding to the received terminal device unique number information from the storage medium; And Settlement processing means for withdrawing a payment amount included in the received payment approval request text from a financial account connected with the cash card, and real-time transfer processing of the withdrawal payment amount excluding a fee to the confirmed merchant account; Real-time payment settlement processing system using a cash card, characterized in that provided. The method of claim 1, The cash card, characterized in that further comprising a reward providing means for depositing a predetermined amount corresponding to the transfer payment amount to the financial account connected to the cash card when the settlement process in response to the full payment approval request; Real-time payment settlement processing system using. Storing and storing the terminal device unique number information and affiliated account information for depositing a cash card payment in a predetermined storage medium in the information storage means; Receiving, in a specialized receiving means, a full payment approval request message including a terminal device unique number information, a cash card information, and a payment amount information from a terminal device provided at the affiliated store; Confirming (or extracting) affiliate store account information corresponding to the received terminal device unique number information from the storage medium by information checking means; And Withdrawing the payment amount included in the received payment approval request full text from the financial account connected to the cash card in the settlement processing means, and real-time transfer processing of the withdrawal payment amount excluding the fee to the confirmed merchant account; Real-time payment settlement processing method using a cash card, characterized in that comprises; A computer-readable program recording medium, which records a program for executing the method of claim 3.
KR1020070101747A 2007-10-10 2007-10-10 System and method for processing realtime payment transaction using a cash card and recording medium KR20090036623A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100955625B1 (en) * 2009-09-07 2010-05-03 유승훈 A member store finance transactions method and the apparatus thereof
KR102083754B1 (en) * 2019-04-09 2020-03-02 김정훈 Automated remittance system by early withdrawing deposit

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100955625B1 (en) * 2009-09-07 2010-05-03 유승훈 A member store finance transactions method and the apparatus thereof
WO2011028003A2 (en) * 2009-09-07 2011-03-10 Yoo Seung Hun Method and apparatus for providing a financial transaction service
WO2011028003A3 (en) * 2009-09-07 2011-06-30 Yoo Seung Hun Method and apparatus for providing a financial transaction service
KR102083754B1 (en) * 2019-04-09 2020-03-02 김정훈 Automated remittance system by early withdrawing deposit

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